Do you want to Know, What is identity theft?
Identity theft is a robust criminal industry and we should realize that it could happen to us. Incredible amounts of highly confidential information are constantly flying through the air (wireless), phone lines, cable lines and thrown into dumpsters and shipped to the dump. Criminals have always gravitated to areas where they can easily make money illegally and now, we are confronted with highly skilled, even genius individuals that can pluck your identity right out of mid air. They dream up intelligent phishing methods for the internet and perform skimming of your credit card and debit card information with a high tech handheld device. Identity thieves have more nerve than Dick Tracy and will steal your credit card statement right out of your mailbox, or grab your entire garbage bag in the middle of the night and bring it back to their ‘office’ and perform a thorough post mortem. Others will remove your garbage bags from the rear of your business (dumpster diving) or go to the actual dump and look for confidential documents. Dumpster diving and theft of garbage is low-tech and highly underrated where some identity thieves gain the information they need from these methods and then they go to the internet with the basic information in hand and begin the process of stealing your identity.
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We have to understand the nature of these people. Identity thieves are driven by money and greed, some are drug addicts and they all could care less about the mental anguish and suffering that they cause an identity theft victim. To them, its just business. Simply put, identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft.
The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, take a mortgage out on your home or business, establish a telephone account in your name, start a business in your name, commit a criminal act, get caught and use your name and address. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make—or until you’re contacted by a debt collector, or until the Police Officer arrives at your doorstep because you did not attend your first court appearance. Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds (or thousands) of dollars and many days or months repairing damage to their good name and credit record. According to a Federal Trade Commission report, 26 percent of those victimized will not find out for one to five months, another 12 percent do not learn for at least six months, if not longer. By that time a persons credit destruction is complete. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.
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